Homeownership Program Application

Phases in Application Process

Phase I - Program Application

Submit a Habitat Homeownership Program application. Upon submitting an application, it will be reviewed for completeness and you will be contacted with any questions. By submitting a program application you will be placed in our list of applicants who will be notified every time there is a home available for purchase.

Phase II - Verification

Applicants who have submitted a program application will receive notification of a home available for purchase. You will receive an email with instructions to submit required support documents to assess your ability to pay and income qualification into our homeownership program.

Required documents will include, but are not limited:

Proof of residency: Either copy of birth certificate, passport, or permanent resident card

Copy of two recent paystub(s) for ALL current employment

Must include Year-To-Date Income Information

Covers the most current 30-day Consecutive Pay Period

Copy of most recent personal and business bank statements

Must include account holder name, address, and bank information

Must include all pages

Covers at least 60-day period

Copy of last three years filed personal tax returns

Must include all pages, schedules, W-2 and attachments

For self-employed: complete business returns with K-1’s (if applicable)

IF APPLICABLE: Copy of Proof of Child Support (Paid or Received)

Must include all dependents and amounts

Must include how long you will continue to receive this financial support

Phase III - Home Visits

After reviewing income verification documents, select applications will move to phase III, in which a selection committee, made up of local volunteers, will interview applicants in their current home.

Home visit dates will be scheduled during each homeowner selection period. Applicants can expect to be notified well in advance if their application moved into our home visit phase so that date and time of home visit can be scheduled.

Phase IV - Final Selection and Onboarding

After Home visits are conducted, the selection committee makes final recommendations to the Habitat Board of Directors. Upon approval by the Habitat Board, applicants will be notified of the final decision. Those selected into the Habitat Homeownership Program will sign a letter of acceptance and pay a $100 good-faith deposit. This money is allocated toward the remainder of the closing cost.

E-SIGN ACT DISCLOSURE AND AGREEMENT

We are pleased to offer you the opportunity to receive information about your account electronically. If you would like to receive correspondence and notices from us electronically, instead of paper copies through the mail, please review this notice and provide your consent.

1. Scope of Communications to Be Provided in Electronic Form. When you use a product or service to which this disclosure applies, you agree that we may provide you with any communications in electronic format, and that we may discontinue sending paper communications to you, unless and until you withdraw your consent as described below. Your consent to receive electronic communications and transactions includes, but is not limited to:

· All legal and regulatory disclosures and communications associated with the product or service available through Habitat for Humanity of the Greater Teton Area.

· Notices or disclosures about a change in the terms of your account or associated payment feature and responses to claims.

· Privacy policies and notices.

2. Method of Providing Communications to You in Electronic Form. All communications that we provide to you in electronic form will be provided either (1) via e-mail, (2) by access to a web site that we will designate in an e-mail notice we send to you at the time the information is available, or (3) to the extent permissible by law, by access to a web site that we will generally designate in advance for such purpose.

3. How to Withdraw Consent. You may withdraw your consent to receive communications in electronic form by contacting us at info@tetonhabitat.org or PO Box 4194, Jackson, WY 83001. At our option, we may treat your provision of an invalid email address, or the subsequent malfunction of a previously valid email address, as a withdrawal of your consent to receive electronic communications. We will not impose any fee to process the withdrawal of your consent to receive electronic communications. Any withdrawal of your consent to receive electronic communications will be effective only after we have a reasonable period of time to process your withdrawal.

4. How to Update Your Records. It is your responsibility to provide us with true, accurate and complete e-mail address, contact, and other information related to this E-Sign Act disclosure and your account, and to maintain and update promptly any changes in this information. You can update information (such as your e-mail address) by contacting us at info@tetonhabitat.org or PO Box 4194, Jackson, WY 83001.

5. Hardware and Software Requirements. In order to access, view, and retain electronic communications that we make available to you, you must have:

· an Internet browser that supports 128 bit encryption;

· sufficient electronic storage capacity on your computer's hard drive or other data storage unit;

· an e-mail account with an Internet service provider and e-mail software in order to participate in our electronic communications programs;

· a personal computer or tablet with an internet connection capable of receiving, accessing, displaying and either printing or storing communications;

· Adobe Reader version 8.0 or higher to open documents in .pdf format.

6. Requesting Paper Copies. We will not send you a paper copy of any communication, unless you request it or we otherwise deem it appropriate to do so. You can obtain a paper copy of an electronic communication by printing it yourself or by requesting that we mail you a paper copy, provided that such request is made within a reasonable time after we first provided the electronic communication to you. To request a paper copy, contact us at info@tetonhabitat.org or PO Box 4194, Jackson, WY 83001. We reserve the right, but assume no obligation, to provide a paper (instead of electronic) copy of any communication that you have authorized us to provide electronically.

7. Communications in Writing. All communications in either electronic or paper format from us to you will be considered "in writing." You should print or download for your records a copy of this disclosure and any other communication that is important to you.

8. Federal Law. You acknowledge and agree that your consent to electronic communications is being provided in connection with a transaction affecting interstate commerce that is subject to the federal Electronic Signatures in Global and National Commerce Act, and the Uniform Electronic Transaction Act adopted pursuant to Wyoming Statutes Title 40, chapter 21, and that you and we both intend that the Acts apply to the fullest extent possible to validate our ability to conduct business with you by electronic means.

9. Termination/Changes. We reserve the right, in our sole discretion, to discontinue the provision of your electronic communications, or to terminate or change the terms and conditions on which we provide electronic communications. We will provide you with notice of any such termination or change as required by law.

10. Consent. By signing below you agree that you have read, understand, and agree to the provisions of this Agreement. You hereby give your affirmative consent to provide electronic communications to you as described herein. You further agree that your computer satisfies the hardware and software requirements specified above and that you have provided us with a current e-mail address at which we may send electronic communications to you.

I AGREE

Habitat for Humanity of the Greater Teton Area is an Equal Opportunity Lender

We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial status, or national origin.

Personal Information

IMPORTANT: If you list more than one adult in your household (who is not a dependent), then you must also list that person as your co-applicant.

Application Campaign

Year of Application

Application Stage of Application

Application Name

Primary Contact Lookup

Applying as:

Today's Date

Applicant

First Name

Last Name

Social Security Number

Date of Birth

Marital Status

Citizenship Status

Other status description:

Applicant is a veteran

Applicant has previously volunteered with Habitat.

Mobile Phone Number

Home Phone

Email

Date Moved to Greater Teton Area

Applicant has previously applied with Teton Habitat.

Years previously applied (approximately)

Example: 2016, 2014

Co-Applicant

First Name

Last Name

Social Security Number

Date of Birth

Marital Status

Citizenship Status

Other status description:

Co-Applicant is a veteran

Co-Applicant has previously volunteered with Habitat.

Mobile Phone

Home Phone

Email

Date Moved to Greater Teton Area

Co-applicant has previously applied with Teton Habitat.

Years previously applied (Approximately)

Example: 2016, 2014

Dependents of the Household

Dependents and others who would be living in the Habitat house with applicant(s):

I have dependentsI don't have any dependents

First Name

Last Name

Gender

Date of Birth

Age

ex: 12 or 1.5

Relationship to Applicant(s)

Dependent Application

Edit section title

Household Income & Assets

Employment

Please provide two full years of employment history.

Employment Details

Employment of:

Employment Status

Position

Type of employment (check all that apply)

For seasonal or temporary work, what months are you employed?

Name of Employer

Manager's Name

Manager's Phone Number

Manager's Email

Employer Mailing Address

City

State

Use State abbreviation: WY or ID

Zip

Start Date (Approximate)

End of Employment Date (Approximate)

Hourly or Salary?

Hourly Wage

$

Annual Salary

$

Average # of hours worked per week

accepted range 0 to 80 hours

Does Habitat have your permission to contact this employer to verify the employment information listed on this application?

I give my permissionI do not give my permission

If permission not given, please explain.

Employment Application

Gross Monthly Income

Applicants must disclose all the funds received on a regular schedule by all household members from all sources: salary, retirement, pension, social Security, TANF, disability, child support, alimony, public assistance, etc.

Income Source Details

Income Source Name

Monthly Income Source

Income of:

Monthly Amount

Description of Other Income Type

Name and age of other income earner

Ex: Tommy, 18

Income Source Application

Assets

Financial Assets

List all checking, savings and retirement accounts below.

Asset Name

Type of Account

Account Number

last 4 digits only

Current Balance

Financial Institution Name

City, State Zip

Financial Asset Application

Tangible Assets

Tangible Asset Application

Asset Name

Type of Asset

Description of asset

ex: Toyota Sienna or Yamaha Snowmobile

Year

Value

Debts & Expenses

Debts

To whom do applicant and co-applicant owe money?

Debt Details

Creditor

Debt Application

Debt Type

Other description

Responsible Party

Creditor Name

Monthly Payment

Balance Due

Name of recipient:

Expected date of last payment:

Household Monthly Expenses

Include all monthly expenses not included in debts (use 0 for none.)

Rent or Mortgage

$

Utilities

$

Include a combined total of utilities.

Child Care

$

Insurance

$

Include health, life, renters, auto, etc.

Internet & Cable

$

Phone

$

land line and mobile

School Lunch

$

Grocery

$

Gasoline

$

Meals Out

$

Do you have any other expenses to report?

Other (1)

$

Description of "Other"(1)

Other (2)

$

Description of "Other"(2)

Other(3)

$

Description of "Other"(3)

Totals of Monthly Household Expenses

Total Monthly Payments of Debts:

$

Total monthly household expenses:

$

Total Monthly Household Expenses

$

Background Information

Please answer the following questions for the applicant, the co-applicant, and others over 18 years old who would be living in the house.

Has the applicant or co-applicant declared bankruptcy within the past four years?

Has the applicant or co-applicant had property foreclosed on in the past seven years?

Is the applicant or co-applicant currently involved in a lawsuit?

Is the applicant or co-applicant currently paying alimony or child support?

Does the applicant or co-applicant have any debt because of a court decision against you?

If you answered "Yes" to any question, please explain:

This information will be used to determine your eligibility for a Habitat home. A criminal history will not necessarily exclude you from being selected. Our committee will use this information to determine your ability to pay the mortgage and your willingness to partner with Habitat.

Has the applicant, the co-applicant, or anyone over the age of 18 who would be living in the house ever been charged with and/or arrested for any criminal offense other than a minor motor vehicle violation?

If Yes, please explain:

Has the applicant, the co-applicant, or anyone over the age of 18 who would be living in the house ever been convicted of a felony?

If Yes, please explain:

Is the applicant, the co-applicant, or anyone over the age of 18 who would be living in the house a registered Sex Offender?

If Yes, please explain:

References

Please list two personal references (no relatives, please.)

First Reference

Name

Relationship

Email

Phone

Second Reference

Name

Relationship

Email

Phone

Authorization and Release

I understand that all information provided herein is private and confidential and for program use only. I/we authorize Habitat for Humanity of the Greater Teton Area to perform an in-depth study to determine my/our actual need for housing, my/our ability to repay an affordable loan and other expenses of homeownership, and my/our personal character and reputation in order to determine my willingness to partner. This investigation may include personal visits to my/our residence, a credit check, verification of bank deposits and other assets, contact with personal references listed on this application, verification of employment, a criminal background check, and if applicable, landlord, mortgage, and public assistance checks. I also understand that Habitat for Humanity screens all applicant families on the sex offender registry. By completing this application, I am submitting myself to such an inquiry. I further understand that by completing this application, I am submitting myself to a criminal background check. The original or a copy of this application will be retained by Habitat for Humanity even if the application is not approved.

I hereby certify that I have answered all the questions in this application truthfully. I understand that if I have not answered the questions truthfully, my application may be denied, and that even if I have already been selected to receive a Habitat home, I may be deselected from the program. I understand that should I be accepted for a Habitat home, that I have a duty to update the information I supplied in this application from the time I am selected as a partner family until the date of closing on the property.

Authorization and Release

Signature(s) will be requested upon submission of application. You will be sent an email to verify your signature. You must click the verification link in the email to complete the process.

Applicant Name

Co-Applicant Name

Date